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Everyday Retirement Account

We know you’ll make the most of your retirement, so we designed our Everyday Retirement Account to make the most of your money. 

Features of our Everyday Retirement Account

No monthly service fee.

Available to anyone aged 55 and over, or a Pensioner Concession Card holder.

Rural Bank Visa Debit Card to access your funds through ATMs, EFTPOS or online shopping.

Transact as Australia Post retail outlets displaying the Bank@Post™ symbol.

How do I apply or find out more?

Call our customer service team
Request a call or email back
Visit your nearest branch

Interest rates

Tier Rate
$0 to $1999 0.85% p.a.
$2000 to $46,599 1.70% p.a.
$46,600+ 2.50% p.a.

Interest rates quoted on a per annum basis and subject to change without notice. Interest on Everyday Retirement Accounts is variable, calculated daily on a stepped basis which means you will earn interest for the portion of your account balance that falls within each range, at the interest rate applicable to that range and credited on the first day of the following month. Minimum opening balance is $1.

All overdrawn balances
19.90% p.a.

Applies to any unauthorised overdrawn balance on Everyday, Gold Cash Management, Money For Living, Interest Earning at Call, Seasonal (with no credit facility) and Seasonal Plus accounts. Quoted interest rate is on a per annum basis, variable and subject to change without notice. Interest is calculated daily on the closing balance and charged monthly.

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Things you should know

Interest rates quoted are subject to change without notice. Information is subject to change. Terms, conditions, fees and charges apply and are available by phoning our Customer Service Team on 1300 660 115, online, or by contacting your local branch.

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Rural Bank - A Division of Bendigo and Adelaide Bank Limited
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